Pennsylvania HB 2648: An Act amending the act of June 3, 1937 (P.L.1333, No.320), known as the Pennsylvania Election Code, in preparation for and conduct of primaries and elections, further providing for manner of applying to vote, persons entitled to vote, voter's certificates, entries to be made in district register, numbered lists of voters and challenges.

Bill Text

PRINTER'S NO. 3671
THE GENERAL ASSEMBLY OF PENNSYLVANIA
HOUSE BILL
No. 2648
Session of
2026
INTRODUCED BY KHAN, FLOOD, D. WILLIAMS, BELLMON, KRAJEWSKI,
WAXMAN, KINKEAD, FRANKEL, SIEGEL, RIVERA, SCOTT,
M. MACKENZIE, SALISBURY, WEBSTER, GUENST, BOROWSKI, GREEN,
BRENNAN AND PARKER, JUNE 17, 2026
REFERRED TO COMMITTEE ON CONSUMER PROTECTION, TECHNOLOGY AND
UTILITIES, JUNE 23, 2026
AN ACT
Amending Title 40 (Insurance) of the Pennsylvania Consolidated
Statutes, in regulation of insurers and related persons
generally, providing for health insurance alteration
prohibitions.
The General Assembly of the Commonwealth of Pennsylvania
hereby enacts as follows:
Section 1. Title 40 of the Pennsylvania Consolidated
Statutes is amended by adding a chapter to read:
CHAPTER 31
HEALTH INSURANCE ALTERATION PROHIBITIONS
Sec.
3101. Definitions.
3102. Prohibited acts.
§ 3101. Definitions.
The following words and phrases when used in this chapter
shall have the meanings given to them in this section unless the
context clearly indicates otherwise:
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"Biological product." As defined in 42 U.S.C. § 262
(relating to regulation of biological products).
"Covered person." A policyholder, subscriber or other
individual who is entitled to receive health care services under
a health insurance policy.
"Department." The Insurance Department of the Commonwealth.
"Health care provider." An individual who is authorized to
practice some component of the healing arts by a license,
permit, certificate or registration issued by a Commonwealth
licensing agency or board.
"Health care service." A covered treatment, admission,
procedure, medical supplies and equipment or other service,
including behavioral health, prescribed or otherwise provided or
proposed to be provided by a health care provider to a covered
person for the diagnosis, prevention, treatment, cure or relief
of a health condition, illness, injury or disease under the
terms of a health insurance policy.
"Health insurance policy." An individual or group insurance
policy, subscriber contract, certificate or plan issued by an
insurer that provides medical or health care coverage, including
emergency services. The term does not include:
(1) An accident only policy.
(2) A credit only policy.
(3) A long-term care or disability income policy.
(4) A specified disease policy.
(5) A Medicare supplement policy.
(6) A TRICARE policy, including a Civilian Health and
Medical Program of the Uniformed Services (CHAMPUS)
supplement policy.
(7) A fixed indemnity policy.
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(8) A hospital indemnity policy.
(9) A dental only policy.
(10) A vision only policy.
(11) A workers' compensation policy.
(12) An automobile medical payment policy.
(13) A homeowners' insurance policy.
(14) A short-term limited duration policy.
(15) Any other policy providing for limited benefits.
"Health insurer." An entity licensed by the department that
offers, issues or renews an individual or group health insurance
policy that is offered or governed under any of the following:
(1) Chapter 61 (relating to hospital plan corporations)
or 63 (relating to professional health services plan
corporations).
(2) The act of May 17, 1921 (P.L.682, No.284), known as
The Insurance Company Law of 1921 .
(3) The act of December 29, 1972 (P.L.1701, No.364),
known as the Health Maintenance Organization Act.
"Prescription drug." A controlled substance, drug, including
a biological product, or device for medication prescribed or
dispensed by order of a health care provider.
§ 3102. Prohibited acts.
(a) Alteration of coverage.--A health insurer may not alter
the coverage provided by a health insurance policy during the
term of a health insurance policy for a health care service that
was included in the covered person's health insurance policy,
including the period when the covered person has received the
health care service. The alterations under this section include
increasing:
(1) A premium.
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(2) A copayment.
(3) Coinsurance.
(4) A deductible.
(b) Exceptions.--This section shall not apply to a health
care service:
(1) Obtained by a covered person through fraudulent or
criminal activity.
(2) Subject to:
(i) a statement issued by the United States Food and
Drug Administration calling into question the clinical
safety of the benefit; or
(ii) a notice provided by the manufacturer of a
prescription drug to the United States Food and Drug
Administration related to a manufacturing discontinuance
or potential discontinuance of the drug.
(c) Penalties.--A violation of this chapter shall be deemed
a violation of the act of December 17, 1968 (P.L.1224, No.387),
known as the Unfair Trade Practices and Consumer Protection Law,
and the act of July 22, 1974 (P.L.589, No.205), known as the
Unfair Insurance Practices Act. N